Is USCCA Insurance Legit? A Comprehensive Review of the Self-Defense Liability Protection Service

If you are a gun owner who carries a firearm for self-defense, you may have heard of the USCCA, or the United States Concealed Carry Association.

The USCCA is a membership service that provides legal protection, education, and training for gun owners who may face criminal or civil charges after a self-defense incident.

But is USCCA insurance legit? How does it work? How much does it cost? What does it cover? And how does it compare to other CCW insurance options?

In this article, we will answer these questions and more, to help you decide if USCCA insurance is the right choice for you.

We will also share some customer reviews and feedback on USCCA insurance, as well as the pros and cons of joining the USCCA.

Is USCCA Insurance Legit?Explore this guide on self-defense liability protection, covering legal expenses and damages for gun owners.
Is USCCA Insurance Legit?Explore this guide on self-defense liability protection, covering legal expenses and damages for gun owners.

What is the USCCA?

The USCCA is a membership service that provides legal protection, education, and training for gun owners who may face criminal or civil charges after a self-defense incident.

USCCA is not an insurance company itself, but rather a platform that connects its members with a network of attorneys, experts, and resources that can help them in case of a legal emergency.

The USCCA was founded in 2003 by Tim Schmidt, a gun enthusiast and entrepreneur, who wanted to create a community and a service that would support and empower responsible gun owners.

The USCCA has grown to over 500,000 members, and offers various benefits and features, such as:

  • Legal protection: The USCCA provides up to $2.25 million in civil defense and damages protection, and up to $250,000 in criminal defense, bail bond funding, and attorney retainer protection, depending on the membership level. The USCCA also provides 24/7 access to a critical response team, a network of attorneys, and a legal advisory board.
  • Education: The USCCA provides online and offline courses, videos, books, and magazines on topics such as concealed carry, home defense, firearm safety, and self-defense laws. The USCCA also hosts a Concealed Carry Expo, a national event that features seminars, workshops, and exhibits on self-defense and firearm-related topics.
  • Training: The USCCA provides access to certified instructors, training materials, and drills that can help gun owners improve their skills and confidence. The USCCA also offers a certification program for instructors who want to teach concealed carry and firearm safety courses.

Is USCCA Insurance Legit?

USCCA insurance is legit and reputable, as it is backed by a licensed and rated insurance company, Universal Fire and Casualty Insurance Company.

The USCCA is also accredited by the Better Business Bureau, with whom it maintains an A+ rating.

The USCCA has received mostly positive reviews and testimonials from its members and the media, and has been featured in outlets such as Fox News, Forbes, and The Wall Street Journal.

USCCA insurance is not a scam or a fraud, but rather a trusted and secure service that offers legal protection and peace of mind for gun owners.

However, as with any service, you should always exercise caution and do your own research before buying anything.

You should also read the terms and conditions of the membership agreement, and make sure you understand what is covered and what is not.

Should You Get Self-Defense Liability Protection?

Self-defense liability protection is optional, but it can be useful for gun owners who carry a firearm for self-defense, as they may face legal charges or lawsuits after a self-defense incident, even if they were justified and reasonable.

The legal process can be complicated and expensive, and defending yourself can be stressful and ruinous.

Self-defense liability protection can give you financial help, legal advice, and emotional support in a legal crisis.

It can also help you avoid common mistakes, such as talking to the police or the media without a lawyer, or agreeing to a plea deal that may harm your rights and reputation.

However, self-defense liability protection is not a replacement for good training, safety, and awareness.

It is not a permission to kill or a promise of protection. You still have to follow the laws and rules of your state and area, and only use your firearm as a last option, when you fear for your life or serious injury.

How Much Does USCCA Cost?

USCCA offers three membership levels: Gold, Platinum, and Elite. The membership fees are as follows:

  • Gold: $22 per month or $247 per year
  • Platinum: $30 per month or $347 per year
  • Elite: $47 per month or $497 per year

The membership fees are based on a single payment method and a single state of residence. If you want to add a spouse or a partner to your membership, you can do so for an additional 50% of the membership fee. If you want to change your payment method or your state of residence, you may have to pay a different fee, depending on the state and the payment method.

The membership fees are subject to change at any time, and the USCCA may offer discounts or promotions from time to time. You can cancel your membership at any time, and get a prorated refund of the unused portion of your membership fee.

What Does USCCA Cover?

USCCA covers the legal expenses and damages that may arise from a self-defense incident involving a firearm or other weapon, whether you are on your own property or practicing open or concealed carry in public.

The USCCA insurance covers the following types of expenses and damages, depending on the membership level:

  • Civil defense and damages protection: This covers the attorney fees, court costs, and civil judgments that you may incur or be liable for in a civil lawsuit filed by the person you injured or killed, or their family or estate, after a self-defense incident. The USCCA provides up to $500,000, $1 million, or $2 million in civil defense and damages protection, for the Gold, Platinum, and Elite membership levels, respectively.
  • Criminal defense, bail bond funding, and attorney retainer protection: This covers the attorney fees, court costs, and bail bonds that you may incur or be liable for in a criminal case filed by the state or the federal government, after a self-defense incident. The USCCA provides up to $100,000, $150,000, or $250,000 in criminal defense, bail bond funding, and attorney retainer protection, for the Gold, Platinum, and Elite membership levels, respectively.

USCCA covers the legal expenses and damages that you incur or are liable for, up to the limits of your membership level, regardless of the outcome of the case. This means that USCCA will cover you even if you are found guilty or liable, as long as you acted in self-defense and within the law.

Pros and Cons to USCCA

The USCCA offers many benefits and advantages to its members, such as:

  • High coverage limits for civil and criminal defense
  • No deductibles, co-pays, or per-incident fees
  • Coverage for any legal weapon, not just firearms
  • Choice of your own attorney or a list of vetted attorneys
  • Payment of legal expenses up front, not after the case
  • Access to education, training, and resources on self-defense
  • 365-day money-back guarantee and free trial period

However, the USCCA also has some drawbacks and limitations, such as:

USCCA vs Other CCW Insurance

The USCCA is one of the most popular and reputable self-defense liability protection services in the market, but it is not the only one. There are other options that you may want to consider, such as:

  • NRA Carry Guard: This is the official self-defense insurance program of the National Rifle Association (NRA), which covers up to $1,500,000 in civil defense and damages, and up to $250,000 in criminal defense, bail bond, and attorney retainer. However, NRA Carry Guard has been discontinued in some states due to regulatory issues, and has received some criticism for its exclusions and limitations.
  • CCW Safe: This is another self-defense insurance program that covers up to $1,000,000 in civil defense and damages, and unlimited criminal defense, bail bond, and attorney retainer. CCW Safe also covers accidental discharge and hunting accidents, and does not require a membership fee. However, CCW Safe does not cover civil damages or settlements, and has a lower rating from the BBB than the USCCA.
  • Armed Citizens Legal Defense Network: This is not an insurance program, but rather a legal defense fund that provides its members with access to a network of attorneys, experts, and resources that can help them in a self-defense case. The network also pays up to $25,000 in attorney fees and $25,000 in bail bond for its members. However, the network does not cover civil defense or damages, and has a lower coverage limit than the USCCA.

These are just some of the alternatives that you may want to compare and contrast with the USCCA, before making your decision. You can read more about them on their websites, or on some of the reviews and articles that compare them .

USCCA Insurance Customer Service

The USCCA has a dedicated and professional customer service team, that is available to assist you with any issues or inquiries you may have. You can contact the customer service team by phone, email, or online chat.

The phone number for customer service is 1-877-677-1919, which is toll-free and available 24/7. You can also use the local number 1-262-806-0100, which is available Monday to Friday, from 8 am to 8 pm CST.

The email address for customer service is support@uscca.com. You can use this email to send your questions, feedback, or complaints.

The online chat feature is available on the USCCA website, where you can chat with a live representative, who can answer your questions or direct you to the right department.

The USCCA’s 24/7 Critical Response Team offers immediate assistance and guidance to members involved in a self-defense incident.

The Critical Response Team can be reached by calling the same phone number as the customer service team, 1-877-677-1919, and pressing 1.

The Critical Response Team can help you with:

  • Finding a local attorney from the USCCA network
  • Paying your bail bond and attorney retainer
  • Contacting your family and employer
  • Providing emotional support and counseling

The USCCA also has a member dashboard, where you can access your account information, policy documents, claim forms, and other resources. You can also manage your membership, update your payment method, change your coverage level, or cancel your membership.

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